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LLM_Engineering_OLD/week5/knowledge-base/contracts/Contract with SafeHaven Property Insurance for Homellm.md
Edward Donner e5c3fcab46 Updated Week 5 with November version
2025-11-04 07:26:42 -05:00

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Contract with SafeHaven Property Insurance for Homellm

Contract Date: May 3, 2025 Contract Number: HM-2025-E-0112 Parties:

  • Insurellm, Inc.
  • SafeHaven Property Insurance, Inc.

Terms

  1. Coverage: Insurellm agrees to provide SafeHaven Property Insurance with enterprise access to the Homellm platform, including white-label capabilities, unlimited policies, dedicated infrastructure, and comprehensive IoT integration for their property insurance operations.

  2. Duration: This agreement is effective for a period of 36 months from the contract date.

  3. Payment: SafeHaven Property Insurance shall pay custom Enterprise Tier pricing of $22,000 per month for months 1-12, $24,000 per month for months 13-24, and $26,000 per month for months 25-36, totaling $864,000 over the contract term.

  4. Policy Volume: Enterprise Tier supports unlimited policies. SafeHaven currently has 45,000 active homeowners policies across 6 states.

  5. Service Level Agreement: Insurellm guarantees 99.9% platform uptime measured monthly, with 7% monthly credit for each 0.1% below target, maximum 35% monthly credit.

  6. Confidentiality: Both parties agree to maintain strict confidentiality of proprietary algorithms, property data, pricing models, and business strategies.

  7. Data Security: Insurellm maintains SOC 2 Type II compliance, ISO 27001 certification, and annual third-party security audits.

Renewal

This agreement includes a 90-day mutual renewal notice period. SafeHaven receives most-favored-customer pricing and priority access to new features including climate risk modeling and IoT innovations.

Features

SafeHaven Property Insurance will receive the complete Homellm Enterprise suite:

  1. Unlimited Policy Administration: Full support for SafeHaven's 45,000+ policies with scalability to 200,000+ policies as business expands.

  2. White-Label Platform: Complete branding customization:

    • Custom domains (quote.safehavenproperty.com, myhome.safehavenproperty.com)
    • Branded mobile apps for iOS and Android with custom UI
    • Customized policyholder communications
    • Co-branded agent and broker portals

  3. Advanced AI Risk Assessment: Enterprise-grade property risk analysis:

    • Aerial imagery analysis for roof condition, vegetation, and hazards
    • Property characteristic assessment (age, construction, square footage)
    • Location-based risk scoring (wildfire, flood, hail, wind, earthquake)
    • Catastrophe modeling integration (RMS, AIR, CoreLogic)
    • Replacement cost estimation with inflation trending
    • Neighborhood risk assessment
    • Claims history analysis across all carriers
    • Credit-based insurance scoring

  4. Dynamic Pricing Model: Sophisticated pricing engine:

    • Real-time rate optimization across 200+ rating variables
    • Competitive intelligence and market positioning
    • Capacity-based dynamic pricing
    • Multi-policy bundling discounts
    • Loyalty and tenure credits
    • Loss-free discount automation
    • Telematics and IoT-based discounts

  5. Instant Claims Processing: Advanced claims automation:

    • AI-driven FNOL with photo/video upload
    • Computer vision damage assessment
    • Automated repair cost estimation
    • Contractor network integration with 2,000+ vendors
    • Claims routing and assignment
    • Payment automation with multi-party splits
    • Fraud detection with pattern analysis
    • Subrogation opportunity identification

  6. Predictive Maintenance Alerts: IoT-powered risk prevention:

    • Integration with smart home devices (water leak sensors, smoke detectors, security systems)
    • Weather alert system with pre-storm notifications
    • Freeze warning and pipe burst prevention
    • Roof deterioration monitoring
    • HVAC and appliance failure prediction
    • Wildfire proximity alerts
    • Proactive policyholder communication to prevent losses

  7. Multi-Channel Integration: Unified platform:

    • Agent portal for 1,500+ independent agents
    • Direct-to-consumer quoting engine
    • Broker portal with co-branding
    • Call center integration
    • Web and mobile app quoting
    • Smart home device connectivity

  8. Customer Portal: Comprehensive self-service:

    • 24/7 policy access and document retrieval
    • Coverage modification requests
    • Digital insurance cards
    • Claims submission and tracking
    • Payment processing and billing history
    • Smart home device management
    • Maintenance reminders and home care tips
    • Disaster preparedness resources

  9. IoT Device Integration: Smart home platform:

    • Water leak detection systems (Flo by Moen, Phyn, LeakSmart)
    • Smart smoke and CO detectors (Nest Protect, First Alert)
    • Security systems (Ring, SimpliSafe, ADT)
    • Smart thermostats (Nest, Ecobee)
    • Weather stations
    • Roof monitoring sensors
    • Premium discounts for IoT adoption (up to 20%)
    • Real-time alerts and intervention protocols

  10. Complete API Access: Unlimited API calls:

    • Integration with SafeHaven's core systems
    • Third-party data providers (CoreLogic, Verisk, LexisNexis)
    • Catastrophe modeling systems
    • Agent management platforms
    • Payment processors
    • Document management systems
    • Marketing automation

  11. Multi-State Operations: Comprehensive support:

    • State-specific forms and endorsements for all 6 states
    • Regulatory compliance monitoring
    • Rate and form filing management
    • Multi-state licensing tracking
    • Catastrophe response protocols by state

  12. Catastrophe Management: Disaster response tools:

    • Pre-CAT modeling and exposure management
    • Real-time storm tracking and impact assessment
    • CAT claims triage and routing
    • Mobile claims team dispatch
    • Vendor surge capacity activation
    • Policyholder communication campaigns
    • Emergency payment processing

Support

Insurellm commits to comprehensive Enterprise-level support for SafeHaven Property Insurance:

  1. Dedicated Success Team:

    • VP-level executive sponsor with quarterly strategic reviews
    • Senior Customer Success Manager with bi-weekly check-ins
    • Technical Account Manager for system optimization
    • Solutions Architect for IoT and innovation projects
    • Quarterly executive business reviews with detailed metrics

  2. 24/7/365 Premium Support:

    • 20-minute response time for P1 critical issues
    • 1-hour response for P2 high-priority issues
    • 4-hour response for P3 standard issues
    • Dedicated support team familiar with SafeHaven's operations
    • Private Slack channel with engineering access
    • Emergency CAT response team (15-minute response during disasters)
    • Quarterly on-site visits (minimum 4 per year)

  3. Comprehensive Implementation:

    • 8-month phased implementation program
    • Dedicated project manager and PMO
    • Migration of 45,000 policies from legacy system
    • Training for 60+ staff members
    • Agent training program for 200+ top-producing agents
    • Parallel processing for 90 days
    • Go-live support with 6-week on-site presence

  4. Training and Enablement:

    • Comprehensive role-based training programs
    • Underwriter certification on AI risk assessment
    • Claims adjuster training on computer vision tools
    • IoT device training for customer service reps
    • Train-the-trainer program for SafeHaven's team
    • Annual user conference attendance (5 attendees, all expenses)
    • Monthly advanced training webinars
    • Unlimited online learning platform access

  5. Custom Development:

    • 1,200 hours annually of custom development
    • Dedicated development resources for SafeHaven-specific features
    • Priority feature requests with roadmap inclusion
    • Beta access to new features 60 days before general release
    • Joint innovation projects for smart home and IoT
    • Climate risk modeling enhancements

  6. Integration Services:

    • Enterprise integration with SafeHaven's systems:
      • Duck Creek policy administration
      • Applied Epic agency management
      • Guidewire ClaimCenter
      • IoT platforms (Nationwide Canopy, Ting, others)
      • Catastrophe modeling (RMS RiskLink)
      • Payment processors
      • Salesforce CRM
    • Dedicated integration engineer (40% FTE)
    • Quarterly integration health assessments
    • Load testing before peak seasons (hurricane, wildfire)

  7. Analytics and Reporting:

    • Custom dashboard development (up to 20 dashboards)
    • Real-time operational dashboards for underwriting and claims
    • Executive dashboards with drill-down analytics
    • Automated reporting suite (daily, weekly, monthly, quarterly)
    • Ad-hoc analytics support (25 requests/month)
    • Industry benchmarking against top property insurers
    • Catastrophe exposure and aggregation reporting
    • IoT adoption and loss prevention analytics

  8. IoT and Innovation Support:

    • Quarterly IoT strategy sessions
    • New smart home device evaluation and integration
    • Pilot programs for emerging technologies
    • Consumer education materials for IoT programs
    • Marketing campaign support for smart home initiatives

  9. Catastrophe Response:

    • Dedicated CAT support during disaster events
    • Pre-CAT system preparation and testing
    • Real-time claims surge capacity support
    • Post-CAT analysis and lessons learned
    • Annual CAT preparedness drills

  10. Continuous Improvement:

    • Quarterly process optimization workshops
    • Annual efficiency audits with ROI documentation
    • Best practice sharing from insurance industry
    • Innovation lab for climate risk, AI, and IoT
    • Joint whitepapers and case studies
    • Speaking opportunities at industry events

Signatures:

Jennifer Rodriguez Title: Chief Executive Officer Insurellm, Inc. Date: May 3, 2025

Laura Mitchell Title: President & Chief Executive Officer SafeHaven Property Insurance, Inc. Date: May 3, 2025

This agreement establishes SafeHaven Property Insurance as a leading enterprise partner in property insurance innovation, leveraging Homellm's AI, IoT integration, and catastrophe management capabilities. This contract supersedes all prior agreements.

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